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There are no rates available for the product(s) you selected.
Modify your location, and/or selected products to find other rates that are available.

About our Mortgage Rate Tables: The above mortgage loan information
is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan
terms to Bankrate for advertising purposes and Bankrate receives compensation from
those advertisers (our "Advertisers"). Other lenders' terms are gathered by Bankrate
through its own research of available mortgage loan terms and that information is
displayed in our rate table for applicable criteria. In the above table, an Advertiser
listing can be identified and distinguished from other listings because it includes
a "Next" button that can be used to click-through to the Advertiser's own website
or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible
for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty
the accuracy or availability of any loan term shown above. However, Bankrate attempts
to verify the accuracy and availability of the advertised terms through its quality
assurance process and requires Advertisers to agree to our Terms and Conditions
and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers:
Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertiser's phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $424,100 May Have Different Loan Terms:
If you are seeking a loan for more than $424,100, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms:
The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

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Average Mortgage Rates

Mortgage rates change on a daily basis, and getting a mortgage when rates are low may save you thousands of dollars over the life of the loan. Find average rates for various mortgage products, and compare rate fluctuations over time, using our table below.

Average Mortgage Rates

Product

Rate

Change

Last week

30 yr fixed mtg

3.79%

- 0.03

3.82%

15 yr fixed mtg

3.04%

+ 0.03

3.01%

30 yr fixed jumbo mtg

4.06%

+ 0.04

4.02%

30 yr fixed mtg refi

3.80%

- 0.03

3.83%

Last update: 08/18/2017

The rate you'll receive on a mortgage depends on several variables: your credit score, the loan type, loan amount, points, location and down payment. And when it comes to mortgage products, the shorter the loan term, the less you'll pay in interest over the life of the loan. Longer loans - like 30-year fixed-rate mortgages, for example - typically come with higher rates and steeper interest costs. But the monthly payments are lower than for shorter-term products, like 15-year loans. A 30-year loan will cost less each month than a 15-year mortgage with the same loan balance because the payoff horizon is spread over 15 more years. The type of loan product you choose will depend on what you can afford monthly in principal, interest, property taxes, insurance and other costs.

Mortgage Rates Help

Getting a mortgage loan is a big commitment. Learn about all the variables involved in getting a mortgage and the impact these variables have on your interest rate. Before buying your new home, you can find the most common variables that go into calculating estimated monthly payments and interest rates provided here.

Purchase/Refinance

Click "Purchase" if you are buying a home. Click "Refinance" if you own a home and you want to replace your mortgage with another loan at a different rate and terms.

Loan type

Select which type of mortgage you are shopping for: a 30-year fixed-rate loan, a 15-year fixed, an FHA-insured loan, an adjustable-rate mortgage (ARM) with an introductory rate lasting 5 or 7 years, a 20-year fixed, and 10-year fixed or a 30-year Veterans Affairs loan.

Amount

Type the amount you want to borrow. The default is $165,000, but you should enter your own number.

Down payment

Select the percentage that is closest to your down payment. If your down payment is between these numbers, select the lower one. Example: If you are making a 12 percent down payment, select "10% down" and not "15% down."

Credit score

If you know your credit score, select the range that your score belongs to. The best rates and terms go to borrowers with credit scores of 740 and higher, and borrowers in the 720 to 739 range can get very good deals, too.

Points

Select the range of discount points that you are willing to pay. Discount points are an upfront fee that you pay to get a lower interest rate. One point is 1 percent of the loan amount. On a $100,000 mortgage, if you pay 1 point, you pay an upfront fee of $1,000.

Place

Write your city and state. You might see a bigger selection if you choose the nearest large city.

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated
in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website.
This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or
all available products.